CN105993036A - Business processing method and system of self-service device - Google Patents
Business processing method and system of self-service device Download PDFInfo
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- CN105993036A CN105993036A CN201680000411.8A CN201680000411A CN105993036A CN 105993036 A CN105993036 A CN 105993036A CN 201680000411 A CN201680000411 A CN 201680000411A CN 105993036 A CN105993036 A CN 105993036A
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/209—Monitoring, auditing or diagnose of functioning of ATMs
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Abstract
The present invention provides a business processing method and a system for a self-service terminal, and relates to a self-service terminal technical field. The method includes that when a user performs withdrawal/transfer business with a card, calculating the security assessment value for the business based on the risk indicators; determining whether the security assessment value is greater than the preset threshold value; if the security assessment value is greater than the preset threshold value, accessing to the normal business processing procedure; if the security assessment value less than or equal to the preset threshold value, verifying the identity of the user; if the verification is passed, continuously processing the business until the business is completed; and if the verification is not passed or exceeds time, stopping the business procedures. The method and system facilitate use operation while reducing the security risk of user account fund, thereby increasing user experiences.
Description
Technical field
The invention belongs to self-aided terminal technical field, particularly relate to method for processing business and the system of a kind of self-aided terminal.
Background technology
CRS (Cash Recycling System, Automatic Cycle automatic teller machine), has another name called automatic teller machine, is a kind of high-precision electromechanical integration equipment.CRS utilizes magnetic card coded card or smart card to realize the Self-Service of financial transaction, replaces the work of bank cabinet dough figurine person；Cash can be extracted, carry out spot assets, inquire about account balance, carry out the work such as allocation of the funds between account.Holder can use the credit card or deposit card on automatic teller machine, according to password handle automatic drawing, query the balance, transfer accounts, the business such as spot assets and change password.The appearance of ATM has carried many convenience to people, but uses automatic teller machine to there is also certain security risk while carrying out business handling a large amount of.The event forgotten on CRS by bank card after withdrawing the money such as holder happens occasionally, and so can cause any property loss, and also can make to add some unexpected crime cases in society, add the case cracking amount of public security department.
In order to bank card being forgotten on CRS after preventing holder from withdrawing the money, operation flow of withdrawing the money is adjusted by part bank, take the mode of " first tell card and tell paper money again ", i.e. user often takes money and first moves back card to user, after user takes card away, tell paper money again to user, thus avoid user only to take banknote away and forget to take away the situation of bank card.But, this flow process of withdrawing the money brings great inconvenience for the user proceeding business handling after the business of withdrawing the money, and needs user's plug-in card again to input password, this not only adds machine loss, waste business hours, too increase the probability divulged a secret, greatly reduce the experience sense of user.Additionally, the CRS also having part bank uses the mode handling a defeated password of business, although the problem that this mode can effectively solve the property loss that holder brings owing to forgetting card taking, but bring great inconvenience can to equally the business handling of user, considerably increase the time needing once to handle the user of multinomial business, and be easily caused user and divulge a secret.
Summary of the invention
The purpose of the embodiment of the present invention is to provide method for processing business and the system of a kind of self-aided terminal, aim to solve the problem that bank card is forgotten the method at CRS after withdrawing the money and can be brought great inconvenience to the business handling of user by the existing holder of preventing, considerably increase the time needing once to handle the user of multinomial business, add the probability divulged a secret and the problem reducing Consumer's Experience sense.
The embodiment of the present invention is achieved in that the method for processing business of a kind of self-aided terminal, including:
When user hold handle withdraw the money/transferred account service time, calculate the security evaluation value of this transacting business according to risk indicator；
Judge that whether described security evaluation value is more than the threshold value preset；
If described security evaluation value is more than the threshold value preset, then enter normal business processing flow；
If described security evaluation value is less than or equal to the threshold value preset, then user is carried out authentication；
If being verified, then continue with this operation flow until completing；
If checking is not passed through or checking time-out, then terminate this business handling flow process.
In the method for processing business of the self-aided terminal described in the embodiment of the present invention, described when user hold handle withdraw the money/transferred account service time, also included calculate the security evaluation value of this transacting business according to risk indicator before:
Whether detection card user carried out the business of withdrawing the money of success note output before handling this business；
The most then enter the step of the security evaluation value calculating this transacting business according to risk indicator；
If it is not, then enter normal business processing flow.
In the method for processing business of the self-aided terminal described in the embodiment of the present invention, described risk indicator include user withdrew the money last time/amount of money value of transferred account service, last time withdraw the money/transferred account service withdraws the money with this/difference of amount of money value of transferred account service, last time withdraw the money business handling user take banknote away after to this operation self-aided terminal time interval T, proceed to account be whether history service associated account number and self-aided terminal near-field detection monitoring of tools to described time interval T in whether have in people's handover event one or more.
In the method for processing business of the self-aided terminal described in the embodiment of the present invention, described calculating according to risk indicator is handled the security evaluation value of this business and is specifically included:
According to withdrawing the money last time/size of amount of money value of transferred account service and the mode of amount of money input calculate the first value-at-risk corresponding to the first risk indicator；The mode of described amount of money input includes the input of screen shortcut and manual input through keyboard；
According to withdrawing the money last time/transferred account service withdraws the money with this/the difference size of amount of money value of transferred account service and the mode of twice amount of money input calculate the second value-at-risk that the second risk indicator is corresponding；
After taking banknote away according to the business handling user that withdrew the money last time time interval T to this operation self-aided terminal withdraw the money with the multiple history added up in advance business handling time user take banknote away after to time interval T again operating self-aided terminal ' calculate the 3rd value-at-risk that the 3rd risk indicator is corresponding；
If this business is transferred account service, then judge this business proceeds to the historical context account whether account is bank card, and obtains the 4th value-at-risk corresponding to the 4th risk indicator according to judged result；
Near-field detection monitoring of tools according to self-aided terminal to described time interval T in whether have people's handover event to obtain the 5th value-at-risk corresponding to the 5th risk indicator；
It is weighted described first value-at-risk to one or more in described 5th value-at-risk processing calculating the security evaluation value handling this business.
In the method for processing business of the self-aided terminal described in the embodiment of the present invention, if described security evaluation value is less than or equal to the threshold value preset, then user is carried out authentication and specifically includes:
If described security evaluation value is less than or equal to the threshold value preset, then according to the size of described security evaluation value, user cipher is partly or entirely verified.
The another object of the embodiment of the present invention is to provide the transaction processing system of a kind of self-aided terminal, including:
Security evaluation value computing module, for when user hold handle withdraw the money/transferred account service time, calculate the security evaluation value of this transacting business according to risk indicator；
Judge module, for judging that whether described security evaluation value is more than the threshold value preset；
Authentication module, if for described security evaluation value less than or equal to the threshold value preset, then carrying out authentication to user；
Service Processing Module, if for described security evaluation value more than the threshold value preset, then entering normal business processing flow；If being verified, then continue with this operation flow until completing；If checking is not passed through or checking time-out, then terminate this business handling flow process.
In the transaction processing system of the self-aided terminal described in the embodiment of the present invention, also include:
Whether detection module, carried out the business of withdrawing the money of success note output before handling this business for detecting card user；The most then control the step that described security evaluation computing module calculates the security evaluation value of this transacting business according to risk indicator；If it is not, then control described business handling module to enter normal business processing flow.
In the transaction processing system of the self-aided terminal described in the embodiment of the present invention, described risk indicator include user withdrew the money last time/amount of money value of transferred account service, last time withdraw the money/transferred account service withdraws the money with this/difference of amount of money value of transferred account service, last time withdraw the money business handling user take banknote away after to this operation self-aided terminal time interval T, proceed to account be whether history service associated account number and self-aided terminal near-field detection monitoring of tools to described time interval T in whether have in people's handover event one or more.
In the transaction processing system of the self-aided terminal described in the embodiment of the present invention, described security evaluation computing module specifically for:
According to withdrawing the money last time/size of amount of money value of transferred account service and the mode of amount of money input calculate the first value-at-risk corresponding to the first risk indicator；The mode of described amount of money input includes the input of screen shortcut and manual input through keyboard；
According to withdrawing the money last time/transferred account service withdraws the money with this/the difference size of amount of money value of transferred account service and the mode of twice amount of money input calculate the second value-at-risk that the second risk indicator is corresponding；
After taking banknote away according to the business handling user that withdrew the money last time time interval T to this operation self-aided terminal withdraw the money with the multiple history added up in advance business handling time user take banknote away after to time interval T again operating self-aided terminal ' calculate the 3rd value-at-risk that the 3rd risk indicator is corresponding；
If this business is transferred account service, then judge this business proceeds to the historical context account whether account is bank card, and obtains the 4th value-at-risk corresponding to the 4th risk indicator according to judged result；
Near-field detection monitoring of tools according to self-aided terminal to described time interval T in whether have people's handover event to obtain the 5th value-at-risk corresponding to the 5th risk indicator；
It is weighted described first value-at-risk to one or more in described 5th value-at-risk processing calculating the security evaluation value handling this business.
In the transaction processing system of the self-aided terminal described in the embodiment of the present invention, described authentication module specifically for:
If described security evaluation value is less than or equal to the threshold value preset, then according to the size of described security evaluation value, user cipher is partly or entirely verified.
The business handling method and system implementing a kind of self-aided terminal that the embodiment of the present invention provides have the advantages that
The embodiment of the present invention due to first handle withdraw the money/transfer accounts time, calculate the security evaluation value of this transacting business according to risk indicator；Then judge that whether described security evaluation value is more than the threshold value preset；If described security evaluation value is more than the threshold value preset, then enter normal business processing flow；If described security evaluation value is less than or equal to the threshold value preset, then user is carried out authentication；Further, if being verified, then continue with this operation flow until completing；If checking is not passed through or checking time-out, then terminate this business handling flow process, thus solve the problem that can bring risk to the account fund of user when card is forgotten on CRS by user present in prior art, the most farthest reducing user will input password when withdrawing the money or transferring accounts every time simultaneously, the probability divulged a secret may be caused, it is convenient for users to operate while reducing user account fund security risk, enhances Consumer's Experience.
Accompanying drawing explanation
Fig. 1 be the embodiment of the present invention provide a kind of self-aided terminal method for processing business implement flow chart；
Fig. 2 is that in the embodiment of the present invention, holder handles the schematic diagram of the screen display interface of self-aided terminal when withdrawing the money business on self-aided terminal.
Fig. 3 is the structural representation of the transaction processing system of a kind of self-aided terminal that the embodiment of the present invention provides；
Fig. 4 is the structural representation of the transaction processing system of a kind of self-aided terminal that another embodiment of the present invention provides.
Detailed description of the invention
In order to make the purpose of the present invention, technical scheme and advantage clearer, below in conjunction with drawings and Examples, the present invention is further elaborated.Should be appreciated that specific embodiment described herein, only in order to explain the present invention, is not intended to limit the present invention.
Fig. 1 shows the method for processing business of a kind of self-aided terminal that the embodiment of the present invention provides, it is characterised in that including:
In S101, when user hold handle withdraw the money/transferred account service time, calculate the security evaluation value of this transacting business according to risk indicator.
In the present embodiment, also include before S101: whether detection card user carried out the business of withdrawing the money of success note output before handling this business；The most then enter the step of the security evaluation value calculating this transacting business according to risk indicator；If it is not, then enter normal business processing flow.
In the present embodiment, described risk indicator include user withdrew the money last time/amount of money value of transferred account service, last time withdraw the money/transferred account service withdraws the money with this/difference of amount of money value of transferred account service, last time withdraw the money business handling user take banknote away after to this operation self-aided terminal time interval T, proceed to account be whether history service associated account number and self-aided terminal near-field detection monitoring of tools to described time interval T in whether have in people's handover event one or more.Wherein, described calculating according to risk indicator is handled the security evaluation value of this business and is specifically included:
According to withdrawing the money last time/size of amount of money value of transferred account service and the mode of amount of money input calculate the first value-at-risk corresponding to the first risk indicator；The mode of described amount of money input includes the input of screen shortcut and manual input through keyboard.
Preferably, in the present embodiment, if withdrawing the money last time/amount of money value of transferred account service is M1, if M1 is one grade of amount of money value of maximum (3000 yuan as in Fig. 2) that user selects input on self-aided terminal screen by screen shortcut, then the first value-at-risk Y1=1；If M1 is other amount of money values that user selects input on self-aided terminal screen by screen shortcut, then the value of the first value-at-risk Y1 is between 0～1, if M1 is user is the amount of money value being manually entered by keyboard, then and the first value-at-risk Y1=0.
According to withdrawing the money last time/transferred account service withdraws the money with this/the difference size of amount of money value of transferred account service and the mode of twice amount of money input calculate the second value-at-risk that the second risk indicator is corresponding.
Preferably, in the present embodiment, if withdrawing the money last time/transferred account service withdraws the money with this/difference of the amount of money value of transferred account service is M1-M2, when M1 is the maximum dollar amount value of display on the screen that selects of screen shortcut, when M2 is keyboard input-value, the second value-at-risk Y2=1；When M1 is keyboard input-value, and when M2 is screen shortcut selective value, the second value-at-risk Y2=-1；When M1 is less than M2, Y2 takes a negative between-1～0；In the case of other, then Y2 takes a positive number between 0～0.5.
After taking banknote away according to the business handling user that withdrew the money last time time interval T to this operation self-aided terminal withdraw the money with the multiple history added up in advance business handling time user take banknote away after to time interval T again operating self-aided terminal ' calculate the 3rd value-at-risk that the 3rd risk indicator is corresponding.
Preferably, in the present embodiment, the described multiple history added up in advance withdraw the money business handling time user take banknote away after to the time interval again operating self-aided terminal: T '1, T '2, T '3... being arranged in an array according to order from small to large, the maximum made in this array in front 20% data is T '20 %, in this array, the maximum in front 80% data is T '80 %, then, as T T '20 %Time, the 3rd value-at-risk Y3=1, work as T '20 %＜ T ＜ T '80 %Time, the 3rd value-at-risk Y3=1, as T ＞ T '80 %Time, the 3rd value-at-risk Y3=-1.
If this business is transferred account service, then judge this business proceeds to the historical context account whether account is bank card, and obtains the 4th value-at-risk corresponding to the 4th risk indicator according to judged result.
Preferably, in the present embodiment, described historical context account refers to the account having direct dealing before this business principle with this card, if account of currently transferring accounts is the historical context account of this card, then and the 4th value-at-risk Y4=1, otherwise, the 4th value-at-risk Y4=0.
Near-field detection monitoring of tools according to self-aided terminal to described time interval T in whether have people's handover event to obtain the 5th value-at-risk corresponding to the 5th risk indicator.
Preferably, in the present embodiment, if the near-field detection monitoring of tools of self-aided terminal is to there occurs people's handover event in described time interval T, detect that after someone leaves CRS operating space, someone comes CRS operating space, then the 5th value-at-risk Y1=-1 again the most during this period；Otherwise the 5th value-at-risk Y5=0；If it addition, self-aided terminal is fitted without near-field detection equipment, then the 5th value-at-risk Y5=0.
It is weighted described first value-at-risk to one or more in described 5th value-at-risk processing calculating the security evaluation value handling this business.Further, in the present embodiment, another described security evaluation value is R, then:
If current business is the business of withdrawing the money, then R=A1Y1+A2Y2+A3Y3+A5Y5；
If current business is transferred account service, then R=A1Y1+A2Y2+A4Y4+A5Y5；
Wherein, A1, A2, A3, A4 and A5 are the weight factor corresponding to each risk indicator, can be carried out the selection of weight by self-service business statistics for the weight factor corresponding to every risk indicator.
Preferably, in the present embodiment, A1=50, A2=50, A3=100, A4=150, A5=150.
In S102, it is judged that whether described security evaluation value is more than the threshold value preset, if described security evaluation value is more than the threshold value preset, then enter step S103；If described security evaluation value is less than or equal to the threshold value preset, then enter step S104.
In the present embodiment, when described security evaluation value is more than the threshold value preset, then it is assumed that this business handling is safe, therefore, need to need user is carried out authentication, be directly entered normal business processing flow；On the contrary, when described security evaluation value is less than or equal to the threshold value preset, then it is assumed that this business handling is to have certain risk, and the described the least risk of security evaluation value is the biggest, therefore, now need to enter in step S106 user is carried out authentication.Preferably, the threshold value preset in the present embodiment is 100.Additionally, it should be noted that, in other realize example, can also judge whether to need user is carried out authentication according only to the 4th value-at-risk or the 5th value-at-risk, such as: if the 4th value-at-risk is 0, think that risk is minimum, now need not user carry out authentication or when the 5th value-at-risk is-1, then it is assumed that dangerous, now user have to be carried out authentication.
In S103, carry out normal business processing flow.
In S104, user being carried out authentication, if being verified, then entering step S105, if checking is not passed through or checking time-out, then enter step S106.
In the present embodiment, the mode using input account number cipher carries out authentication to user, and owing to the described the least risk of security evaluation value is the biggest, therefore, the step that user carries out authentication in the present embodiment can be: partly or entirely verifies user cipher according to the size of described security evaluation value.Such as:
If described security evaluation value is more than 100, then it is assumed that safety during this business handling, it is not necessary to user inputs password；
If described security evaluation value is less than or equal to 100 more than 50, then it is assumed that this business handling has certain risk, it is desirable to user inputs 1～2 password and carries out authentication；
If described security evaluation value is less than or equal to 50 more than 0, then it is assumed that this business handling has greater risk, it is desirable to user inputs 3～4 passwords and carries out authentication；
If described security evaluation value is less than or equal to 0, then it is assumed that this business handling has excessive risk, it is desirable to user inputs 5～6 passwords.
The above-mentioned mode partly or entirely verified user cipher according to the size of security evaluation value used in the present embodiment, can prevent from divulging a secret in the case of guaranteeing safe enough as far as possible.
In S105, continue with this operation flow until completing；
In S106, terminate this business handling flow process.
Above it can be seen that the present embodiment provide a kind of self-aided terminal business handling method due to first handle withdraw the money/transfer accounts time, calculate the security evaluation value of this transacting business according to risk indicator；Then judge that whether described security evaluation value is more than the threshold value preset；If described security evaluation value is more than the threshold value preset, then enter normal business processing flow；If described security evaluation value is less than or equal to the threshold value preset, then user is carried out authentication；Further, if being verified, then continue with this operation flow until completing；If checking is not passed through or checking time-out, then terminate this business handling flow process, thus solve the problem that can bring risk to the account fund of user when card is forgotten on CRS by user present in prior art, the most farthest reducing user will input password when withdrawing the money or transferring accounts every time simultaneously, the probability divulged a secret may be caused, it is convenient for users to operate while reducing user account fund security risk, enhances Consumer's Experience.
Fig. 3 is the structural representation of the transaction processing system of a kind of self-aided terminal that the embodiment of the present invention provides, this system is positioned in the self-aided terminal described in the embodiment of the present invention, for running the method that embodiment illustrated in fig. 1 provides, for convenience of description, illustrate only part related to the present embodiment.
Shown in Figure 3, the transaction processing system of a kind of self-aided terminal that the present embodiment provides, including:
Security evaluation value computing module 310, for when user hold handle withdraw the money/transferred account service time, calculate the security evaluation value of this transacting business according to risk indicator；
Judge module 320, for judging that whether described security evaluation value is more than the threshold value preset；
Authentication module 330, if for described security evaluation value less than or equal to the threshold value preset, then carrying out authentication to user；
Service Processing Module 340, if for described security evaluation value more than the threshold value preset, then entering normal business processing flow；If being verified, then continue with this operation flow until completing；If checking is not passed through or checking time-out, then terminate this business handling flow process.
Optionally, the transaction processing system of described self-aided terminal also includes:
Whether detection module 350, carried out the business of withdrawing the money of success note output before handling this business for detecting card user；The most then control the step that described security evaluation computing module calculates the security evaluation value of this transacting business according to risk indicator；If it is not, then control described business handling module to enter normal business processing flow.
Optionally, described risk indicator include user withdrew the money last time/amount of money value of transferred account service, last time withdraw the money/transferred account service withdraws the money with this/difference of amount of money value of transferred account service, last time withdraw the money business handling user take banknote away after to this operation self-aided terminal time interval T, proceed to account be whether history service associated account number and self-aided terminal near-field detection monitoring of tools to described time interval T in whether have in people's handover event one or more.
Optionally, described security evaluation computing module specifically for:
According to withdrawing the money last time/size of amount of money value of transferred account service and the mode of amount of money input calculate the first value-at-risk corresponding to the first risk indicator；The mode of described amount of money input includes the input of screen shortcut and manual input through keyboard；
According to withdrawing the money last time/transferred account service withdraws the money with this/the difference size of amount of money value of transferred account service and the mode of twice amount of money input calculate the second value-at-risk that the second risk indicator is corresponding；
After taking banknote away according to the business handling user that withdrew the money last time time interval T to this operation self-aided terminal withdraw the money with the multiple history added up in advance business handling time user take banknote away after to time interval T again operating self-aided terminal ' calculate the 3rd value-at-risk that the 3rd risk indicator is corresponding；
If this business is transferred account service, then judge this business proceeds to the historical context account whether account is bank card, and obtains the 4th value-at-risk corresponding to the 4th risk indicator according to judged result；
Near-field detection monitoring of tools according to self-aided terminal to described time interval T in whether have people's handover event to obtain the 5th value-at-risk corresponding to the 5th risk indicator；
It is weighted described first value-at-risk to one or more in described 5th value-at-risk processing calculating the security evaluation value handling this business.
Optionally, described authentication module 330 specifically for:
If described security evaluation value is less than or equal to the threshold value preset, then according to the size of described security evaluation value, user cipher is partly or entirely verified.
It should be noted that, the present embodiment provide said system in modules, due to the inventive method embodiment based on same design, its technique effect brought is identical with the inventive method embodiment, particular content can be found in the narration in the inventive method embodiment, and here is omitted.
The business handling system of a kind of self-aided terminal that the present embodiment provides can solve the problem that the problem that can bring risk to the account fund of user when card is forgotten on CRS by user present in prior art equally, the most farthest reducing user will input password when withdrawing the money or transferring accounts every time simultaneously, the probability divulged a secret may be caused, it is convenient for users to operate while reducing user account fund security risk, enhances Consumer's Experience.
Fig. 4 is the structural representation of the transaction processing system of a kind of self-aided terminal that another embodiment of the present invention provides.Illustrate only part related to the present embodiment for convenience of description.
Shown in Figure 4, the business handling system of a kind of self-aided terminal that the present embodiment provides, including:
Processor (processor) 410, communication interface (Communications Interface) 420, memorizer (memory) 430, bus 440.
Processor 410, communication interface 420, memorizer 430 completes mutual communication by bus 440.
Communication interface 420, is used for and external device, and such as, PC, server etc. communicate.
Processor 410, is used for the program that performs 432.
Specifically, program 232 can include that program code, described program code include computer-managed instruction.
Processor 410 is probably a central processor CPU, or specific integrated circuit ASIC (Application Specific Integrated Circuit), or is configured to implement one or more integrated circuits of the embodiment of the present invention.
Memorizer 430, is used for program of depositing 431.Memorizer 430 may comprise high-speed RAM memorizer, it is also possible to also includes nonvolatile memory (non-volatile memory), for example, at least one disk memory.Program 431 specifically may include that
Security evaluation value computing module 310, for when user hold handle withdraw the money/transferred account service time, calculate the security evaluation value of this transacting business according to risk indicator；
Judge module 320, for judging that whether described security evaluation value is more than the threshold value preset；
Authentication module 330, if for described security evaluation value less than or equal to the threshold value preset, then carrying out authentication to user；
Service Processing Module 340, if for described security evaluation value more than the threshold value preset, then entering normal business processing flow；If being verified, then continue with this operation flow until completing；If checking is not passed through or checking time-out, then terminate this business handling flow process.
Those skilled in the art is it can be understood that arrive, for convenience and simplicity of description, the specific works process of the system of foregoing description, device and module, it is referred to the corresponding process in preceding method embodiment, does not repeats them here.
In several embodiments provided herein, it should be understood that disclosed system, apparatus and method, can realize by another way.Such as, device embodiment described above is only schematically, such as, the division of described module, be only a kind of logic function to divide, actual can have when realizing other dividing mode, the most multiple unit or assembly can in conjunction with or be desirably integrated into another system, or some features can ignore, or do not perform.Another point, shown or discussed coupling each other or direct-coupling or communication connection can be the INDIRECT COUPLING by some communication interfaces, device or unit or communication connection, can be electrical, machinery or other form.
The described unit illustrated as separating component can be or may not be physically separate, and the parts shown as unit can be or may not be physical location, i.e. may be located at a place, or can also be distributed on multiple NE.Some or all of unit therein can be selected according to the actual needs to realize the purpose of the present embodiment scheme.
It addition, each functional module in each embodiment of the present invention can be integrated in a processing module, it is also possible to be that modules is individually physically present, it is also possible to two or more unit are integrated in a unit.
If described function is using the form realization of SFU software functional unit and as independent production marketing or use, can be stored in the read/write memory medium of a self-aided terminal.Based on such understanding, part or the part of this technical scheme that prior art is contributed by technical scheme the most in other words can embody with the form of software product, this software product is stored in a storage medium, including some instructions with so that a self-help terminal equipment (such as: CRS) performs all or part of step of method described in each embodiment of the present invention.And aforesaid storage medium includes: USB flash disk, portable hard drive, read only memory (ROM, Read-Only Memory), random access memory (RAM, Random Access Memory), the various media that can store program code such as magnetic disc or CD.
The foregoing is only presently preferred embodiments of the present invention, not in order to limit the present invention, all any amendment, equivalent and improvement etc. made within the spirit and principles in the present invention, should be included within the scope of the present invention.
Claims (10)
1. the method for processing business of a self-aided terminal, it is characterised in that including:
When user hold handle withdraw the money/transferred account service time, calculate the safety of this transacting business according to risk indicator
Assessed value；
Judge that whether described security evaluation value is more than the threshold value preset；
If described security evaluation value is more than the threshold value preset, then enter normal business processing flow；
If described security evaluation value is less than or equal to the threshold value preset, then user is carried out authentication；
If being verified, then continue with this operation flow until completing；
If checking is not passed through or checking time-out, then terminate this business handling flow process.
2. the method for processing business of self-aided terminal as claimed in claim 1, it is characterised in that described when using
Family hold handle withdraw the money/transferred account service time, according to risk indicator calculate this transacting business security evaluation value it
Before also include:
Whether detection card user carried out the business of withdrawing the money of success note output before handling this business；
The most then enter the step of the security evaluation value calculating this transacting business according to risk indicator；
If it is not, then enter normal business processing flow.
3. the method for processing business of self-aided terminal as claimed in claim 2, it is characterised in that described risk
Index include user withdrew the money last time/amount of money value of transferred account service, last time withdraw the money/transferred account service withdraws the money with this/turn
The difference of amount of money value of account business, last time withdraw the money after business handling user takes banknote away and operate self-service end to this
Time interval T of end, proceed to the near-field detection whether account is history service associated account number and self-aided terminal
Monitoring of tools to described time interval T in whether have in people's handover event one or more.
4. the method for processing business of self-aided terminal as claimed in claim 3, it is characterised in that described basis
Risk indicator calculating is handled the security evaluation value of this business and is specifically included:
According to withdrawing the money last time/size of amount of money value of transferred account service and the mode of amount of money input calculate the first wind
The danger the first value-at-risk corresponding to index；The mode of described amount of money input includes that the input of screen shortcut is with manual
Input through keyboard；
According to withdrawing the money last time/transferred account service withdraws the money with this/the difference size and two of the amount of money value of transferred account service
The mode of secondary amount of money input calculates the second value-at-risk that the second risk indicator is corresponding；
Time interval T of self-aided terminal is operated to this after taking banknote away according to the business handling user that withdrew the money last time
The multiple history added up in advance withdraw the money business handling time user take banknote away after to again operating self-aided terminal
Time interval T ' calculate the 3rd value-at-risk that the 3rd risk indicator is corresponding；
If this business is transferred account service, then judge this business proceeds to the history whether account is bank card
Associated account number, and obtain the 4th value-at-risk corresponding to the 4th risk indicator according to judged result；
Near-field detection monitoring of tools according to self-aided terminal to described time interval T in whether someone switches thing
Part obtains the 5th value-at-risk corresponding to the 5th risk indicator；
Described first value-at-risk to one or more in described 5th value-at-risk is weighted process calculate
Go out to handle the security evaluation value of this business.
5. the method for processing business of self-aided terminal as claimed in claim 1, it is characterised in that if described institute
State the threshold value that security evaluation value is less than or equal to preset, then user carried out authentication and specifically include:
If described security evaluation value is less than or equal to the threshold value preset, then according to the size of described security evaluation value
User cipher is partly or entirely verified.
6. the transaction processing system of a self-aided terminal, it is characterised in that including:
Security evaluation value computing module, for when user hold handle withdraw the money/transferred account service time, refer to according to risk
Mark calculates the security evaluation value of this transacting business；
Judge module, for judging that whether described security evaluation value is more than the threshold value preset；
Authentication module, if for described security evaluation value less than or equal to the threshold value preset, then to user
Carry out authentication；
Service Processing Module, if for described security evaluation value more than the threshold value preset, then entering normal industry
Business handling process；If being verified, then continue with this operation flow until completing；If checking is not passed through
Or checking time-out, then terminate this business handling flow process.
7. the transaction processing system of self-aided terminal as claimed in claim 6, it is characterised in that also include:
Detection module, for detecting whether card user carried out success note output before handling this business
Withdraw the money business；This is done according to risk indicator calculating the most then to control described security evaluation computing module
The step of the security evaluation value of reason business；If it is not, then control described business handling module to enter normal business
Handling process.
8. the transaction processing system of self-aided terminal as claimed in claim 7, it is characterised in that described risk
Index include user withdrew the money last time/amount of money value of transferred account service, last time withdraw the money/transferred account service withdraws the money with this/turn
The difference of amount of money value of account business, last time withdraw the money after business handling user takes banknote away and operate self-service end to this
Time interval T of end, proceed to the near-field detection whether account is history service associated account number and self-aided terminal
Monitoring of tools to described time interval T in whether have in people's handover event one or more.
9. the transaction processing system of self-aided terminal as claimed in claim 8, it is characterised in that described safety
Assessment computing module specifically for:
According to withdrawing the money last time/size of amount of money value of transferred account service and the mode of amount of money input calculate the first wind
The danger the first value-at-risk corresponding to index；The mode of described amount of money input includes that the input of screen shortcut is with manual
Input through keyboard；
According to withdrawing the money last time/transferred account service withdraws the money with this/the difference size and two of the amount of money value of transferred account service
The mode of secondary amount of money input calculates the second value-at-risk that the second risk indicator is corresponding；
Time interval T of self-aided terminal is operated to this after taking banknote away according to the business handling user that withdrew the money last time
The multiple history added up in advance withdraw the money business handling time user take banknote away after to again operating self-aided terminal
Time interval T ' calculate the 3rd value-at-risk that the 3rd risk indicator is corresponding；
If this business is transferred account service, then judge this business proceeds to the history whether account is bank card
Associated account number, and obtain the 4th value-at-risk corresponding to the 4th risk indicator according to judged result；
Near-field detection monitoring of tools according to self-aided terminal to described time interval T in whether someone switches thing
Part obtains the 5th value-at-risk corresponding to the 5th risk indicator；
Described first value-at-risk to one or more in described 5th value-at-risk is weighted process calculate
Go out to handle the security evaluation value of this business.
10. the transaction processing system of self-aided terminal as claimed in claim 6, it is characterised in that described identity
Authentication module specifically for:
If described security evaluation value is less than or equal to the threshold value preset, then according to the size of described security evaluation value
User cipher is partly or entirely verified.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2016/081591 WO2017193290A1 (en) | 2016-05-10 | 2016-05-10 | Service processing method and system for use in self-service terminal |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CN105993036A true CN105993036A (en) | 2016-10-05 |
| CN105993036B CN105993036B (en) | 2018-12-11 |
Family
ID=57044198
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201680000411.8A Active CN105993036B (en) | 2016-05-10 | 2016-05-10 | A kind of method for processing business and system of self-aided terminal |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN105993036B (en) |
| WO (1) | WO2017193290A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| CN107292142A (en) * | 2017-05-23 | 2017-10-24 | 深圳怡化电脑股份有限公司 | Business operation processing method, business operation processing unit and service terminal |
| CN110033362A (en) * | 2018-11-14 | 2019-07-19 | 阿里巴巴集团控股有限公司 | One kind beating money method, device and equipment |
| CN111242770A (en) * | 2020-01-08 | 2020-06-05 | 贵阳货车帮科技有限公司 | Risk equipment identification method and device, electronic equipment and readable storage medium |
| CN111583550A (en) * | 2020-04-27 | 2020-08-25 | 中国银行股份有限公司 | Medium-free deposit transaction method and device, computer equipment and readable storage medium |
| CN112037042A (en) * | 2020-09-02 | 2020-12-04 | 中国银行股份有限公司 | Banking business monitoring method and device |
| CN113435771A (en) * | 2021-07-07 | 2021-09-24 | 建信金融科技有限责任公司 | Service evaluation method, device and equipment |
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| CN110796021B (en) * | 2019-10-08 | 2022-07-19 | 中国建设银行股份有限公司 | Identity authentication method and device applied to self-service equipment |
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| CN101299285A (en) * | 2007-12-11 | 2008-11-05 | 北京印刷学院 | Bank abnormity draw money detector and method thereof |
| CN101256700A (en) * | 2008-03-31 | 2008-09-03 | 浙江大学城市学院 | ATM of mixed type user identification authentication |
| US8311873B2 (en) * | 2009-11-19 | 2012-11-13 | Bank Of America Corporation | Application risk framework |
| CN103077458A (en) * | 2012-09-24 | 2013-05-01 | 安徽杨凌科技有限公司 | ATM (automated teller machine) secure transaction authentication method based on position |
| CN104077857B (en) * | 2014-07-03 | 2016-08-17 | 广州广电运通金融电子股份有限公司 | A kind of financial self-service equipment and method of commerce thereof |
| CN104992324A (en) * | 2015-07-22 | 2015-10-21 | 深圳怡化电脑股份有限公司 | Service processing method of self-service device and service processing system of self-service device |
| CN105427479A (en) * | 2015-11-04 | 2016-03-23 | 深圳先进技术研究院 | Man-machine interaction ATM safety management system and method |
| CN105389728A (en) * | 2015-11-13 | 2016-03-09 | 中国建设银行股份有限公司 | Method and system for detecting nature of bank account |
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- 2016-05-10 CN CN201680000411.8A patent/CN105993036B/en active Active
- 2016-05-10 WO PCT/CN2016/081591 patent/WO2017193290A1/en active Application Filing
Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107292142A (en) * | 2017-05-23 | 2017-10-24 | 深圳怡化电脑股份有限公司 | Business operation processing method, business operation processing unit and service terminal |
| CN110033362A (en) * | 2018-11-14 | 2019-07-19 | 阿里巴巴集团控股有限公司 | One kind beating money method, device and equipment |
| CN110033362B (en) * | 2018-11-14 | 2023-07-18 | 创新先进技术有限公司 | Money drawing method, device and equipment |
| CN111242770A (en) * | 2020-01-08 | 2020-06-05 | 贵阳货车帮科技有限公司 | Risk equipment identification method and device, electronic equipment and readable storage medium |
| CN111242770B (en) * | 2020-01-08 | 2023-04-07 | 贵阳货车帮科技有限公司 | Risk equipment identification method and device, electronic equipment and readable storage medium |
| CN111583550A (en) * | 2020-04-27 | 2020-08-25 | 中国银行股份有限公司 | Medium-free deposit transaction method and device, computer equipment and readable storage medium |
| CN112037042A (en) * | 2020-09-02 | 2020-12-04 | 中国银行股份有限公司 | Banking business monitoring method and device |
| CN113435771A (en) * | 2021-07-07 | 2021-09-24 | 建信金融科技有限责任公司 | Service evaluation method, device and equipment |
Also Published As
| Publication number | Publication date |
|---|---|
| CN105993036B (en) | 2018-12-11 |
| WO2017193290A1 (en) | 2017-11-16 |
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